 Has anyone's stimulus checks hit their bank account yet? |
| just curious. According to the guidelines, I should recieve mine today and I haven't yet. Just wondering if anyone else has gotten theirs?... |
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 Credit Card Debt Solution? |
| Ok, So I owe lie $5200 one one card, $4700 on another, $500 on the third, and $300 on the fourth. I taled to a shady lawyer and he told me not to file for bankruptcy. He told me to stop paying for ... |
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 Denied a loan due to criminal history!? |
I have a misdemeanor on my record from several years ago. My banker stated that the 'board' denied my loan because of this misdemeanor charge!
I've never heard of anyone ... |
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 How does a credit card company believe you work? |
| so if one applies for a card...and lies on their application and get approved...how do the cc know? what if u dotn work but u just tell them u do? and u lie about ivome and ect..?... |
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 My boyfriend has little or no credit and needs a credit card What kind can he get? |
| What type of credit card can you get when you have little or no credit? He just needs to build credit. T... |
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| I owe £32,000 in credit cards and loans, my repayments are £700 a month and I am getting deeper in debt each month. I'm married with 2 kids and I take home about £1000 a month. By the way I ... |
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 I am trying to get a credit card.? |
| What is a good credit card I can apply for if my credit is not that good.... |
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 Reducing credit card debt? |
| I am on a budget, successfully last two years. Before then, we racked up nearly $9000 total in credit card debt on five cards. (home repairs, stuff). We have paid our credit cards on time, and have NO... |
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 I am 49 female looking for a home loans with fair to poor credit never own a home before? |
Additional Details
I live in s.c. and slready living in the house i want to buy and i owe 59,000. but cant used my hubby because his ex wife got a house in his name and cant support two ... |
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 I just went over-limit on my credit card - will this affect my credit score? |
i've never gone over before & never missed a payment.
Additional Details
i've already made a payment online for way more than the amount i was over.... |
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| The borrower used the money for renovating the house and didn't go to school. Will I win in court if I sue the person?... |
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 What's the worst thing you can do to your credit? |
| Financial buffs, when it comes to finance, I'm an infant. I made a couple of purchases online, one at a shoe store, one at a music (instrument) store, and both were declined since I had ... |
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 Help!! I tried to order my credit report but it doesn't exist. How is this possible? |
| I just received a collection notice for a debt I definitely don't owe, but when i went to order my credit report on transunion's site, the system said it wasn't able to find my report..... |
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 How do I establish credit? |
| I don't bad credit. I just have no credit. I've applied for credit cards and have been rejected.... |
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 How to establish credit...? |
| i turned 18 in june so i have no credit i have been working for about a year and now i wanna start establishing my credit what would be the best way?... |
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what | Is it true, every time my husband pulls his credit report it goes down ? |
If this is true how many points will it go down? Also he never filed bankruptcy so no bankrupt answers please.He does not have a bunch of bills anymore either he paid them all off when he sold his house.So no answers about owing money.Thanks! |
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Jai
|
No...personal inquiries don't make your score go down. |
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A.Mercer
 |
If he is pulling his credit report online (such as the free credit report available), then it will not affect the credit score. If he is having lots of loan merchants run his report then that could affect his score. The online reports for your own use does not ding the credit. The report that someone uses to determine whether or not to extend him credit can (if he is doing a lot of them).
One thing to watch out for is the addons that some of these online places will throw in. There are many different reports that will include a credit monitoring service. You have to read the user agreement carefully to find out about it. |
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mchl_trvs
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No. This does not hurt your credit. If you want to learn more about credit you should get the free e-book on credit repair offered at http://www.your-credit-solution.com . |
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SPIFIMAN1
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No. When you pull your own credit it's whats called a soft pull and does not count against you.
It's only when you apply for credit and someone else pulls your credit then it's a hard pull and it counts 3-5 points.
The exception to this is when you are looking for a vehicle or a home. Then all pulls within a 14-day period are lumped together and only count as one. They all show on your report but you are only dinged once. |
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jennie
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agree w/1st answer- no points lost for personal |
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stephenweinstein
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Him looking at his own credit report should not have any effect. Each time that someone else looks at his credit report because he has applied for credit from them, there is a slight negative effect. |
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Tina
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Yes...recent credit inquiries do pull your score down. There is no way to tell how much or by how many points. Past (6 months or before) inquiries do not have any effect either way.
Never let anyone shop your credit application when applying for a car. There was a new law passed for mortgage lenders that you can shop up to 5 mortgage companies without your score being affected. Any more than 5 mortgage companies, and it does affect it. |
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ryan h
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If your above statements are true, I would say there is too many open lines of credit. Even if you don't owe much on debt but have access to large sums of money, the credit score can be negatively effected due to the potential risk.
Close existing credit lines that aren't needed. |
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jirocpa
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You only need to pull your credit report once a year (and it's free!), twice if your anal about.
And as far as I know, when you pull your own report, IT DOES NOT REDUCE YOUR SCORE. However, that being said, if he applies for a loan from every place in town, they'll be hitting his report so often that yes, then his score will be hurt, but only by a couple of points per agency requesting it. |
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